/* Shared editorial system: the same navy, DM Sans, paper depth and pale surfaces. */
.guide-page{--ink:#243e63;--muted:#526078;--teal:#243e63;--deep:#243e63;background:#fff;overflow-wrap:break-word}
.guide-container{max-width:1220px;margin:auto;padding:0 40px}
.guide-page .nav-wrap{max-width:1280px}.guide-navigation{display:flex;align-items:center;gap:26px}
.guide-breadcrumb{display:flex;align-items:center;gap:12px;padding-top:30px;font-size:.82rem;color:var(--muted)}
.guide-breadcrumb a{text-decoration:underline;text-underline-offset:4px}.guide-breadcrumb span[aria-hidden]{color:#a8b1c5}
.guide-heading{display:grid;grid-template-columns:1.12fr 1fr;align-items:center;gap:40px;padding:48px 0 50px}
.guide-eyebrow{font-size:.72rem;letter-spacing:.12em;color:var(--ink);font-weight:600;margin:0 0 20px}.guide-eyebrow span{color:var(--muted);margin-left:8px}
.guide-heading h1{font-size:clamp(2.5rem,4.2vw,4rem);font-weight:600;line-height:1.06;letter-spacing:-.05em;margin:0 0 24px;text-wrap:balance}
.guide-intro{font-size:1.15rem;line-height:1.65;color:var(--muted);max-width:46ch;margin:0}
.guide-meta{display:flex;flex-wrap:wrap;gap:12px 22px;margin-top:28px;font-size:.78rem;color:var(--muted)}
.guide-summary{display:grid;grid-template-columns:1.2fr 1fr;gap:48px;padding:28px 32px;border:1px solid #d6dfed;border-radius:18px;background:linear-gradient(115deg,#f8faff,#edf3ff)}
.guide-summary h2{font-size:1.05rem;font-weight:600;letter-spacing:-.02em;margin:0 0 10px}.guide-summary p{margin:0;font-size:1rem;line-height:1.7;color:var(--ink)}
.guide-summary ul{list-style:none;padding:0;margin:0;align-self:center;display:grid;gap:13px}.guide-summary li{display:flex;gap:12px;font-size:.94rem;line-height:1.5;color:var(--ink)}.guide-summary li span{color:#526b91}
.guide-layout{display:grid;grid-template-columns:210px minmax(0,1fr);gap:64px;padding:56px 0 80px}
.guide-toc nav{position:sticky;top:110px;display:flex;flex-direction:column;align-items:flex-start;gap:16px;padding-right:18px;border-right:1px solid #e1e6ee}
.guide-toc strong{font-size:.75rem;text-transform:uppercase;letter-spacing:.08em;margin-bottom:6px;color:var(--ink)}
.guide-toc a{font-size:.86rem;line-height:1.55;color:var(--muted);text-decoration:none}.guide-toc a:hover{text-decoration:underline;color:var(--ink)}.guide-toc .guide-toc-home{border-top:1px solid #e1e6ee;padding-top:20px;margin-top:5px;width:100%;color:var(--ink)}
.guide-section{position:relative;margin-bottom:48px;padding-bottom:44px;border-bottom:1px solid #e1e6ee;scroll-margin-top:24px}.section-number{font-size:.75rem;font-weight:500;color:#63758f;margin-bottom:12px;font-variant-numeric:tabular-nums}
.guide-section h2,.guide-next h2{font-size:clamp(1.55rem,2.7vw,2rem);font-weight:600;line-height:1.2;letter-spacing:-.035em;margin:0 0 20px;text-wrap:balance}
.guide-article h3{font-weight:500;letter-spacing:-.02em}.guide-article p,.guide-article li,.guide-article td{line-height:1.75;font-size:1rem;color:var(--muted)}
.guide-section p{margin:0 0 18px}.guide-section p:last-child{margin-bottom:0}.guide-article a:not(.button){color:var(--ink);text-decoration:underline;text-underline-offset:4px;text-decoration-color:#a7b7cf}.guide-article a:not(.button):hover{text-decoration-color:var(--ink)}
.guide-article ul{padding-left:22px;margin:0 0 22px}.guide-article li{padding-left:4px;margin:9px 0}.guide-article strong{color:var(--ink);font-weight:600}
.guide-table-wrap{border:1px solid #d6dfed;border-radius:14px;margin:24px 0;overflow:hidden;background:white;box-shadow:0 8px 26px -20px #243e6340}
.guide-table-wrap table{border-collapse:collapse;width:100%;text-align:left;font-size:.95rem}.guide-table-wrap caption{text-align:left;padding:18px 22px;background:#edf3ff;font-weight:600;color:var(--ink)}
.guide-table-wrap th,.guide-table-wrap td{padding:16px 20px;border-top:1px solid #e1e6ee;vertical-align:top}.guide-table-wrap thead{background:#f8faff}.guide-table-wrap th{color:var(--ink);font-weight:500;line-height:1.6}.guide-table-wrap tbody th{width:33%}
.guide-example{position:relative;padding:28px;background:#fcfbf8;border:1px solid #e4e1d9;border-radius:14px;margin:24px 0;box-shadow:0 8px 20px -20px #243e6350}.example-label{display:block;font-size:.78rem;color:#695f46;font-weight:500;margin-bottom:15px}.guide-example>p{font-size:.95rem}
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.guide-role-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;margin:26px 0}.guide-role-grid section{padding:22px 20px;border:1px solid #d6dfed;border-radius:12px;background:#f8faff}.guide-role-grid h3{font-size:1.12rem;margin-bottom:12px}.guide-role-grid p{font-size:.94rem;line-height:1.65}
.guide-callout,.guide-review-note{padding:26px 28px;background:#f8faff;border-left:3px solid var(--ink);border-radius:0 14px 14px 0;margin:24px 0}.guide-review-note h3{font-size:1.35rem;margin:0 0 16px}.guide-review-note.shortlist-note{background:#fff;border:1px solid #d6dfed;border-top:5px solid var(--ink);border-radius:14px;box-shadow:0 16px 30px -25px #243e6350}
.guide-sources{margin:4px 0 40px}.guide-sources h2{font-size:1rem;font-weight:600;letter-spacing:-.02em;margin:0 0 14px}.guide-sources ul{padding-left:18px}.guide-sources li,.guide-sources a{font-size:.88rem}
.guide-next{display:flex;align-items:center;justify-content:space-between;gap:26px;padding:30px;background:#edf3ff;border-radius:16px}.guide-next h2{font-size:1.55rem;margin-bottom:12px}.guide-next p{margin:0;font-size:.96rem}.guide-next .button{flex-shrink:0;white-space:nowrap;gap:18px}
.related-guides{display:block;margin-top:44px}.related-guides>h2{font-size:1rem;font-weight:600;letter-spacing:-.02em;margin-bottom:18px}.related-guides>div{display:grid;grid-template-columns:1fr 1fr;gap:16px}.related-guides a{display:block;padding:24px;border:1px solid #d6dfed;border-radius:14px;text-decoration:none!important;background:white}.related-guides a:hover{border-color:#8298b9;background:#f8faff}.related-kicker{display:flex;justify-content:space-between;font-size:.66rem;letter-spacing:.08em;color:var(--muted);margin-bottom:18px}.related-guides h3{font-size:1.2rem;line-height:1.3;margin:0 0 12px}.related-guides p{font-size:.9rem;line-height:1.6;margin:0}
.guide-footer{display:flex;align-items:center;justify-content:space-between;gap:20px}.guide-footer>span{font-size:.8rem;color:var(--muted)}
/* Purpose-built paper illustrations. All meaning is available in the article. */
.guide-art{position:relative;min-height:340px;isolation:isolate;margin:5px 0}
.guide-art:before{content:"";position:absolute;inset:6% -3%;background:radial-gradient(ellipse,#edf3ff 5%,#f8faff80 50%,transparent 72%);z-index:-1}
.art-folder{position:absolute;left:0;top:30px;width:64%;height:210px;padding:25px 24px;color:white;background:linear-gradient(135deg,#243e63,#35567e);border:1px solid #506783;border-radius:12px;transform:rotate(-8deg);box-shadow:0 18px 30px -18px #243e6355}
.art-folder>span{display:block;font-size:10px;letter-spacing:.1em;color:#dbe5f5;margin-bottom:18px}.art-folder>b{display:block;font-size:22px;letter-spacing:-.04em;line-height:1.2;font-weight:500;max-width:9ch}.art-folder>div{font-size:10px;margin-top:25px;color:#dbe5f5}
.art-paper{position:absolute;right:12px;top:20px;width:66%;padding:25px 24px 22px;background:#fff;border:1px solid #d5dce7;border-radius:8px;box-shadow:0 20px 35px -20px #243e6355;transform:rotate(4deg)}
.art-paper:before{content:"";position:absolute;width:9px;height:29px;right:21px;top:-8px;border:2px solid #a8b1bf;border-radius:6px;transform:rotate(9deg)}
.paper-kicker{display:block;font-size:9px;letter-spacing:.08em;color:#667085;margin-bottom:20px}.art-paper>strong{display:block;font-size:21px;font-weight:500;line-height:1.2;letter-spacing:-.035em;color:var(--ink);margin-bottom:24px}
.paper-rule{display:flex;align-items:center;justify-content:space-between;gap:12px;border-top:1px solid #e5e8ef;padding:15px 0;font-size:12px;color:#526078}.paper-rule i{height:3px;border-radius:2px;width:27px;background:#dde4ef}.paper-total{border-top:1px solid #cbd6e6;padding-top:15px;font-size:12px;display:flex;justify-content:space-between;color:var(--ink)}
.art-note{position:absolute;left:5px;bottom:0;min-width:155px;padding:18px 20px;background:#fcf2cd;border:1px solid #e9ddaf;transform:rotate(-5deg);border-radius:3px;box-shadow:0 10px 20px -17px #243e6380;color:#625539;font-size:13px;line-height:1.6}.art-note b{font-weight:500}.art-note:before{content:"";position:absolute;top:-7px;left:40%;width:42px;height:14px;background:#e4dab577;transform:rotate(4deg)}
.art-handoff .art-folder{top:48px}.art-handoff .art-paper{top:0}.art-handoff .art-note{bottom:0}.paper-steps{list-style:none;padding:0;margin:0}.paper-steps li{display:flex;gap:13px;align-items:center;padding:13px 0;border-top:1px solid #e5e8ef}.paper-steps li>span{font-size:10px;color:#667085}.paper-steps b{display:block;font-size:13px;font-weight:500;color:var(--ink)}.paper-steps small{display:block;font-size:10px;color:#667085;margin-top:3px}
.art-advice .art-paper{top:40px;width:59%}.art-advice .art-folder{width:60%;top:12px}.art-advice .art-note{bottom:10px;display:flex;align-items:center;gap:12px}.art-monogram{display:grid;place-items:center;width:27px;height:27px;border-radius:50%;background:var(--ink);color:#fff;font-size:16px}.advice-line{display:flex;gap:16px;align-items:center;border-top:1px solid #e5e8ef;padding:18px 0}.advice-line span{font-size:10px;color:#667085}.advice-line b{font-size:13px;font-weight:500;color:var(--ink)}
@media(max-width:1000px){.guide-heading{gap:24px}.guide-heading h1{font-size:2.8rem}.guide-layout{grid-template-columns:175px minmax(0,1fr);gap:35px}.guide-next{display:block}.guide-next .button{margin-top:22px}.guide-role-grid{grid-template-columns:1fr}.guide-role-grid section{padding:20px}.art-paper{padding:23px 18px}.guide-navigation{gap:18px}}
@media(max-width:760px){.guide-container{padding:0 24px}.guide-page .site-header{position:static}.guide-page .nav-wrap{padding:20px 24px;gap:20px;justify-content:space-between}.guide-page .guide-navigation{display:flex;position:static;background:none;border:0;box-shadow:none;padding:0;width:auto}.guide-navigation>a:not(.button){display:none}.guide-navigation .button{padding:12px 16px;font-size:.84rem}.guide-breadcrumb{padding-top:22px;font-size:.8rem}.guide-heading{grid-template-columns:1fr;padding:32px 0;gap:18px}.guide-heading h1{font-size:clamp(2.3rem,8vw,3.6rem);max-width:16ch}.guide-eyebrow{margin-bottom:16px}.guide-intro{font-size:1.05rem}.guide-meta{margin-top:22px;font-size:.75rem}.guide-art{width:100%;max-width:420px;margin:14px auto 0;min-height:345px}.guide-summary{grid-template-columns:1fr;padding:24px;gap:20px}.guide-summary ul{gap:10px}.guide-layout{grid-template-columns:1fr;padding-top:32px;gap:34px}.guide-toc nav{position:static;border-right:0;border-bottom:1px solid #e1e6ee;padding:0 0 28px;gap:14px}.guide-toc a{font-size:.94rem}.guide-toc .guide-toc-home{display:none}.guide-section{margin-bottom:34px;padding-bottom:32px;scroll-margin-top:10px}.guide-section h2{font-size:1.65rem}.guide-milestones{grid-template-columns:1fr}.guide-milestones>div+div{border-left:0;border-top:1px solid #d6dfed}.guide-milestones>div{padding:20px}.guide-milestones h3{margin-top:12px}.guide-table-wrap td,.guide-table-wrap th{padding:13px;font-size:.92rem}.guide-example,.guide-callout,.guide-review-note,.guide-next{padding:23px}.related-guides>div{grid-template-columns:1fr}.guide-footer{flex-wrap:wrap}.guide-summary p{font-size:.98rem}}
@media(max-width:374px){.guide-container{padding:0 18px}.guide-page .nav-wrap{padding:18px;gap:10px}.guide-page .brand{font-size:1rem}.guide-navigation .button{padding:10px 12px}.art-paper{width:69%;right:4px;padding:24px 16px}.art-folder{padding:23px 15px}.art-folder>b{font-size:19px}.art-paper>strong{font-size:19px}.art-note{min-width:140px;padding:16px}.art-advice .art-paper{width:65%}.paper-rule{font-size:11px}.guide-summary{padding:20px}}
@media print{.site-header,.guide-toc,.guide-art,.guide-breadcrumb,.guide-next,.related-guides,footer{display:none!important}.guide-container{max-width:none;padding:0}.guide-heading,.guide-layout{display:block}.guide-section{break-inside:avoid}.guide-summary{box-shadow:none}}
/* Detailed decision aids retain table semantics and stack into readable rows on phones. */
.example-heading{font-size:1.35rem;font-weight:600;letter-spacing:-.025em;margin:0 0 12px}.cell-label{display:none}.quote-comparison small{display:block;font-size:.875rem;margin-top:6px}.guide-table-wrap .comparison-total{background:#edf3ff}.quote-comparison td strong{font-variant-numeric:tabular-nums}.guide-table-wrap .handoff-table{font-size:.9375rem}.guide-table-wrap .handoff-table tbody th{width:18%}.handoff-table td{width:27%}.guide-table-wrap .handoff-table th,.guide-table-wrap .handoff-table td{padding:15px 12px}.judgment-details{margin:26px 0}.judgment-details>div{display:grid;grid-template-columns:150px minmax(0,1fr);gap:20px;padding:20px 0;border-top:1px solid #ccd2e0}.judgment-details dt{font-weight:600}.judgment-details dd{margin:0;color:var(--muted);line-height:1.7}.shortlist-decision{padding-top:18px;border-top:1px solid #ccd2e0}
@media(max-width:600px){.stack-table,.stack-table tbody,.stack-table caption{display:block}.stack-table thead{position:absolute;width:1px;height:1px;padding:0;overflow:hidden;clip-path:inset(50%)}.stack-table tr{display:block;padding:16px;border-top:1px solid var(--line)}.guide-table-wrap .stack-table th,.guide-table-wrap .stack-table td{display:block;width:auto;padding:6px 0;border:0;overflow-wrap:break-word}.guide-table-wrap .stack-table tbody th{width:auto;font-size:1rem;font-weight:600;margin-bottom:8px}.cell-label{display:block;font-size:.875rem;font-weight:600;color:var(--teal);margin-bottom:3px}.stack-table td+td{margin-top:10px}.judgment-details>div{grid-template-columns:minmax(0,1fr);gap:8px}}
/* Reset the homepage's collapsed-navigation defaults for editorial navigation. */
.guide-navigation{flex-direction:row;flex-basis:auto;padding-top:0}.guide-navigation .button{margin-top:0}
.guide-breadcrumb{flex-direction:row;flex-basis:auto;flex-wrap:wrap}.guide-breadcrumb>a{padding:0}
.guide-page .nav-wrap{flex-wrap:wrap}.guide-page .brand{white-space:normal}.guide-page .button:hover{background:#304f79;border-color:#304f79}
.guide-table-wrap th,.guide-table-wrap td{overflow-wrap:anywhere}
.art-first-time .art-note{display:block;max-width:185px}
/* Long guide titles must wrap within the grid when readers enlarge text. */
.guide-heading-copy{min-width:0}.guide-heading h1{overflow-wrap:anywhere}
.guide-page .brand{display:inline-flex;align-items:center;flex:none}.guide-page .brand-image{display:block;width:194px;height:auto;max-width:100%}.guide-page .guide-footer .brand-image{width:240px}.guide-page .brand-text{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}@media(max-width:600px){.guide-page .nav-wrap .brand-image{width:142px}.guide-page .guide-footer .brand-image{width:210px}}